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Chicago Firefighters Credit Union

Rates and Fees
All dividend and interest rates stated are Annual Percentage Rate (APR)

Rates effective as of 2/8/2010

Dividends Paid
Regular Shares 03/31/09 06/30/09 09/30/09 12/31/09 3/31/10
 $25.00 - $499.99 0.00% 0.00% 0.00% 0.00% Not Yet Declared
 $500.00 - $999.99 0.75% 0.75% 0.50% 0.50%
 $1,000.00 - $4,999.99 1.00% 1.00% 0.75% 0.75%
 $5,000.00 - $9,999.99 1.25% 1.25% 1.00% 1.00%
 $10,000 and over 1.50% 1.50% 1.25% 1.25%

*Anticipated dividends to be paid

Share Draft (checking)
paid monthly
03/31/09 06/30/09 09/30/09 12/31/09 03/31/10
 $500.00 and over 0.50% 0.25% 0.25% 0.25% Not Yet Declared

*Anticipated dividends to be paid

Goal Saver Account
paid quarterly
03/31/09 06/30/09 09/30/09 12/31/09 03/31/10
 No Minimum 1.15% 1.15% 1.00% 1.00% Not Yet Declared

*Anticipated dividends to be paid
** Four withdrawals allowed per year, additional withdrawals are subject to an early withdrawal fee

Christmas Club** 03/31/09 06/30/09 09/30/09 12/31/09 03/31/10
No Minimum       1.00% Not Yet Declared
**Withdrawals made prior to 9/30/09 are subject to an early withdrawal fee

 Certificate of Deposit* Term Minimum Balance Rate Paid at Maturity*
  12 Month $1,000

1.75% 

6 Month $1,000 1.25%

*Withdrawals made prior to maturity are subject to a loss of 90 days dividend

Loan Rates
 Type Rate Monthly Rate Term Financing Conditions
 New Vehicle - Previously Untitled, Maximum $75,000, Less than 10K miles
Auto
Truck
Motorcycle
Boat
as low as  4.50%  36 mos. 100.00%
as low as  5.00%  48 mos. 100.00%
as low as  5.50%  60 mos. 100.00%
as low as  6.00% 72 mos. 100.00%
as low as  6.50%  84 mos. 100.00%

 Extended as low as  7.50% 120 mos. 100.00%  Maximum $100,000
  Used Vehicle -- 2004 or newer, Maximum $50,000

as low as  4.50%  36 mos. 100.00%  Black Book Avg retail value

as low as  5.00%  48 mos. 100.00%  Black Book Avg retail value
as low as  5.50%  60 mos. 100.00%  Black Book Avg retail value
as low as  6.00% 72 mos. 100.00%  Black Book Avg retail value
  Misc. Motor Vehicle (non-titled vehicles-Jet Skis, Snowmobiles, ATV's, etc.)

as low as  8.00%  36 mos. 100.00%  Black Book Avg retail value

as low as  8.50%  48 mos. 100.00%  Black Book Avg retail value

as low as  9.00%  60 mos. 100.00%  Black Book Avg retail value
  Antique

 

as low as  4.50%  36 mos. 100.00%  Certified appraisal value

 Share Secured

  4.00% 120 mos. 100.00%  Limited to available share
 balance
 Home Equity*
 Fixed Rate

 

5.50% 120mos.  85.00%   Maximum $250,000
 Variable (Prime) 4.00% 240mos.  85.00%   Maximum $250,000

*$100 application fee, $400 processing fee.  

 Signature and Cosigner
 Signature and Cosigner as low as 9.00% 36 mos. Maximum $10,000 member signature
Maximum $15,000 with qualified CFD employee
 Signature and Cosigner as low as 10.50% 48 mos.
 Signature and Cosigner as low as 12.00% 60 mos.
  .  
 Visa Card
9.11% N/A $10,000.00  Member Signature

All share and loan rates are subject to change at the discretion of the Board of Directors of the CFFCU, except in the instance of a previously advertised special whereby those special dates are clearly disclosed and defined.

State Regulations discourage the payment of dividends in excess of available earnings.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


This credit union is federally insured by the National Credit Union Administration.
 
© 2006 Chicago Firefighters Credit Union